With NHS Pension rules constantly changing and becoming ever more complex, it is now harder than ever to remain compliant.
It's easy to become overwhelmed by the sheer amount of administration involved in keeping your pension record up-to-date as well as trying to decipher all the technical jargon.
Aside from the impact on your pocket, getting your pension contributions wrong can have lasting implications for your pension records, your tax position and ultimately the pension you receive.
Whether you’re a Portfolio, Locum or Salaried GP, VE Medical have the niche expertise to offer you the specialist advice and support you need to get your NHS Pension record correct and up-to-date.
All too often we see GPs that have, unbeknown to them, significantly overpaid or underpaid pension contributions and/or not completed their annual Type 2 Pension form correctly, or at all.
Furthermore, the result of the McCloud Remedy and the return for all to the Legacy (1995/2008) scheme flips everything on its head and means that many GPs will have overpaid their pension contributions since April 2015.
Contact VE Medical today on 0161 377 3377 to see if this could apply to you and let us help you get your pension refund.
In addition, we offer the following NHS Pension related services:
Full check of pension records to ensure all contributions have been correctly recorded and are up-to-date;
Assistance with the completion of Locum A, B and Solo Forms;
Establishing and optimising your NHS Pension tiered rate;
Preparing Type 2 pension forms;
Check if pension refunds are due and assistance in obtaining them;
Annual Allowance pension tax calculations, Scheme Pays Election forms and ongoing review.
Born out of the desire to provide clients with an exceptional and dedicated personal service, VE Medical was founded by Vicky Earnshaw in 2021. We are unique in being the only accountancy firm to specialise exclusively in Sessional and Portfolio GPs.
We pride ourselves on our expert knowledge, unrivalled service and proactive approach to GP Locums and Salaried GPs, from training all the way through to retirement and beyond.
CALL NOW on 0161 377 3377 for a FREE consultation and no obligation quote!
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TERMS AND CONDITIONS OF USE
These terms and conditions apply between you, the User of this Website (including any sub-domains, unless expressly excluded by their own terms and conditions), and Victoria Earnshaw trading as VE Medical Accountant, the owner and operator of this Website. Please read these terms and conditions carefully, as they affect your legal rights. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Website. If you do not agree to be bound by these terms and conditions, you should stop using the Website immediately.
In these terms and conditions, User or Users means any third party that accesses the Website and is not either (i) employed by Victoria Earnshaw trading as VE Medical Accountant and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to Victoria Earnshaw trading as VE Medical Accountant and accessing the Website in connection with the provision of such services.
You must be at least 18 years of age to use this Website. By using the Website and agreeing to these terms and conditions, you represent and warrant that you are at least 18 years of age.
Intellectual property and acceptable use
1. All Content included on the Website, unless uploaded by Users, is the property of Victoria Earnshaw trading as VE Medical Accountant, our affiliates or other relevant third parties. In these terms and conditions, Content means any text, graphics, images, audio, video, software, data compilations, page layout, underlying code and software and any other form of information capable of being stored in a computer that appears on or forms part of this Website, including any such content uploaded by Users. By continuing to use the Website you acknowledge that such Content is protected by copyright, trademarks, database rights and other intellectual property rights. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo or service mark displayed on the site without the owner's prior written permission
2. You may, for your own personal, non-commercial use only, do the following:
a. retrieve, display and view the Content on a computer screen
3. You must not otherwise reproduce, modify, copy, distribute or use for commercial purposes any Content without the written permission of Victoria Earnshaw trading as VE Medical Accountant.
4. You may not use the Website for any of the following purposes:
a. in any way which causes, or may cause, damage to the Website or interferes with any other person's use or enjoyment of the Website;
b. in any way which is harmful, unlawful, illegal, abusive, harassing, threatening or otherwise objectionable or in breach of any applicable law, regulation, governmental order;
c. making, transmitting or storing electronic copies of Content protected by copyright without the permission of the owner.
5. You must ensure that the details provided by you on registration or at any time are correct and complete.
6. You must inform us immediately of any changes to the information that you provide when registering by updating your personal details to ensure we can communicate with you effectively.
7. We may suspend or cancel your registration with immediate effect for any reasonable purposes or if you breach these terms and conditions.
8. You may cancel your registration at any time by informing us in writing to the address at the end of these terms and conditions. If you do so, you must immediately stop using the Website. Cancellation or suspension of your registration does not affect any statutory rights.
Links to other websites
9. This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of Victoria Earnshaw trading as VE Medical Accountant or that of our affiliates.
10. We assume no responsibility for the content of such Websites and disclaim liability for any and all forms of loss or damage arising out of the use of them.
11. The inclusion of a link to another site on this Website does not imply any endorsement of the sites themselves or of those in control of them.
Availability of the Website and disclaimers
13. Any online facilities, tools, services or information that Victoria Earnshaw trading as VE Medical Accountant makes available through the Website (the Service) is provided "as is" and on an "as available" basis. We give no warranty that the Service will be free of defects and/or faults. To the maximum extent permitted by the law, we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality. Victoria Earnshaw trading as VE Medical Accountant is under no obligation to update information on the Website.
14. Whilst Victoria Earnshaw trading as VE Medical Accountant uses reasonable endeavours to ensure that the Website is secure and free of errors, viruses and other malware, we give no warranty or guaranty in that regard and all Users take responsibility for their own security, that of their personal details and their computers.
15. Victoria Earnshaw trading as VE Medical Accountant accepts no liability for any disruption or non-availability of the Website.
16. Victoria Earnshaw trading as VE Medical Accountant reserves the right to alter, suspend or discontinue any part (or the whole of) the Website including, but not limited to, any products and/or services available. These terms and conditions shall continue to apply to any modified version of the Website unless it is expressly stated otherwise.
Limitation of liability
17. Nothing in these terms and conditions will: (a) limit or exclude our or your liability for death or personal injury resulting from our or your negligence, as applicable; (b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; or (c) limit or exclude any of our or your liabilities in any way that is not permitted under applicable law.
18. We will not be liable to you in respect of any losses arising out of events beyond our reasonable control.
19. To the maximum extent permitted by law, Victoria Earnshaw trading as VE Medical Accountant accepts no liability for any of the following:
a. any business losses, such as loss of profits, income, revenue, anticipated savings, business, contracts, goodwill or commercial opportunities;
b. loss or corruption of any data, database or software;
c. any special, indirect or consequential loss or damage.
20. You may not transfer any of your rights under these terms and conditions to any other person. We may transfer our rights under these terms and conditions where we reasonably believe your rights will not be affected.
21. These terms and conditions may be varied by us from time to time. Such revised terms will apply to the Website from the date of publication. Users should check the terms and conditions regularly to ensure familiarity with the then current version.
23. The Contracts (Rights of Third Parties) Act 1999 shall not apply to these terms and conditions and no third party will have any right to enforce or rely on any provision of these terms and conditions.
24. If any court or competent authority finds that any provision of these terms and conditions (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these terms and conditions will not be affected.
25. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
26. This Agreement shall be governed by and interpreted according to the law of England and Wales and all disputes arising under the Agreement (including non-contractual disputes or claims) shall be subject to the exclusive jurisdiction of the English and Welsh courts.
Victoria Earnshaw trading as VE Medical Accountant details
27. Victoria Earnshaw trading as VE Medical Accountant operates the Website www.ve-medical.com.
You can contact Victoria Earnshaw trading as VE Medical Accountant by email on email@example.com.
28. These terms and conditions were created using a document from Rocket Lawyer (https://www.rocketlawyer.co.uk).
Definitions and interpretation
Data - collectively all information that you submit to Victoria Earnshaw trading as VE Medical Accountant via the Website. This definition incorporates, where applicable, the definitions provided in the Data Protection Laws;
Cookies - a small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website. Details of the cookies used by this Website are set out in the clause below ( Cookies);
Data Protection Laws - any applicable law relating to the processing of personal Data, including but not limited to the GDPR, and any national implementing and supplementary laws, regulations and secondary legislation;
GDPR - the UK General Data Protection Regulation;
Victoria Earnshaw trading as VE Medical Accountant, we or us - Victoria Earnshaw trading as VE Medical Accountant;
UK and EU Cookie Law - the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended by the Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011 & the Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2018;
User or you - any third party that accesses the Website and is not either (i) employed by Victoria Earnshaw trading as VE Medical Accountant and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to Victoria Earnshaw trading as VE Medical Accountant and accessing the Website in connection with the provision of such services; and
Website - the website that you are currently using, www.ve-medical.com, and any sub-domains of this site unless expressly excluded by their own terms and conditions.
a. the singular includes the plural and vice versa;
c. a reference to a person includes firms, companies, government entities, trusts and partnerships;
d. "including" is understood to mean "including without limitation";
e. reference to any statutory provision includes any modification or amendment of it;
4. For purposes of the applicable Data Protection Laws, Victoria Earnshaw trading as VE Medical Accountant is the "data controller". This means that Victoria Earnshaw trading as VE Medical Accountant determines the purposes for which, and the manner in which, your Data is processed.
5. We may collect the following Data, which includes personal Data, from you:
b. date of birth;
d. job title;
f. contact Information such as email addresses and telephone numbers;
g. demographic information such as postcode, preferences and interests;
h. financial information such as credit / debit card numbers;
i. IP address (automatically collected);
How we collect Data
6. We collect Data in the following ways:
a. data is given to us by you ;
b. data is received from other sources; and
c. data is collected automatically.
Data that is given to us by you
7. Victoria Earnshaw trading as VE Medical Accountant will collect your Data in a number of ways, for example:
a. when you contact us through the Website, by telephone, post, e-mail or through any other means;
b. when you register with us and set up an account to receive our products/services;
c. when you complete surveys that we use for research purposes (although you are not obliged to respond to them);
d. when you enter a competition or promotion through a social media channel;
e. when you make payments to us, through this Website or otherwise;
f. when you elect to receive marketing communications from us;
g. when you use our services;
h. from other information sources; this may include but is not limited to HMRC, NHS Pensions (or other pension provider), your employer or from Companies House (if applicable);
Data that is received from third parties
8. Victoria Earnshaw trading as VE Medical Accountant will receive Data about you from the following third parties:
a. this may include but is not limited to HMRC, NHS Pensions (or other pension provider), your employer or from Companies House (if applicable).
Data that is received from publicly available third parties sources
9. We will receive Data about you from the following publicly available third party sources:
a. this may include but is not limited to Companies House.
Data that is collected automatically
10. To the extent that you access the Website, we will collect your Data automatically, for example:
a. we automatically collect some information about your visit to the Website. This information helps us to make improvements to Website content and navigation, and includes your IP address, the date, times and frequency with which you access the Website and the way you use and interact with its content.
b. we will collect your Data automatically via cookies, in line with the cookie settings on your browser. For more information about cookies, and how we use them on the Website, see the section below, headed "Cookies".
Our use of Data
11. Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons:
a. internal record keeping;
b. improvement of our products / services;
c. transmission by email of marketing materials that may be of interest to you;
12. We may use your Data for the above purposes if we deem it necessary to do so for our legitimate interests. If you are not satisfied with this, you have the right to object in certain circumstances (see the section headed "Your rights" below).
13. For the delivery of direct marketing to you via e-mail, we'll need your consent, whether via an opt-in or soft-opt-in:
a. soft opt-in consent is a specific type of consent which applies when you have previously engaged with us (for example, you contact us to ask us for more details about a particular product/service, and we are marketing similar products/services). Under "soft opt-in" consent, we will take your consent as given unless you opt-out.
b. for other types of e-marketing, we are required to obtain your explicit consent; that is, you need to take positive and affirmative action when consenting by, for example, checking a tick box that we'll provide.
c. if you are not satisfied about our approach to marketing, you have the right to withdraw consent at any time. To find out how to withdraw your consent, see the section headed "Your rights" below.
14. When you register with us and set up an account to receive our services, the legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.
Who we share Data with
15. We may share your Data with the following groups of people for the following reasons:
a. our employees, agents and/or professional advisors - to carry out our obligations arising from any agreements entered into between you and us which will most usually be for the provision of our services; to carry out our obligations arising from any agreements entered into between our clients and us (which will most usually be for the provision of our services) where you may be a supplier or customer of our client; to provide you with information related to our services and our events and activities that you request from us or which we feel may interest you, provided you have consented to be contacted for such purposes; to seek your thoughts and opinions on the services we provide; and to notify you about any changes to our services;
b. third party service providers who provide services to us which require the processing of personal data - to help third party service providers in receipt of any shared data to perform functions on our behalf to help fulfil our duties for the performance of our contract with you and to ensure the website runs smoothly;
c. third party payment providers who process payments made over the Website - to enable third party payment providers to process user payments and refunds;
d. relevant authorities - to facilitate the detection of crime or the collection of taxes or duties;
Keeping Data secure
16. We will use technical and organisational measures to safeguard your Data, for example:
a. access to your account is controlled by a password and a user name that is unique to you.
b. we store your Data on secure servers.
c. payment details are encrypted using SSL technology (typically you will see a lock icon or green address bar (or both) in your browser when we use this technology.
17. Technical and organisational measures include measures to deal with any suspected data breach. If you suspect any misuse or loss or unauthorised access to your Data, please let us know immediately by contacting us via this e-mail address: firstname.lastname@example.org.
18. If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.
20. Even if we delete your Data, it may persist on backup or archival media for legal, tax or regulatory purposes.
21. You have the following rights in relation to your Data:
a. Right to access - the right to request (i) copies of the information we hold about you at any time, or (ii) that we modify, update or delete such information. If we provide you with access to the information we hold about you, we will not charge you for this, unless your request is "manifestly unfounded or excessive." Where we are legally permitted to do so, we may refuse your request. If we refuse your request, we will tell you the reasons why.
b. Right to correct - the right to have your Data rectified if it is inaccurate or incomplete.
c. Right to erase - the right to request that we delete or remove your Data from our systems.
d. Right to restrict our use of your Data - the right to "block" us from using your Data or limit the way in which we can use it.
e. Right to data portability - the right to request that we move, copy or transfer your Data.
f. Right to object - the right to object to our use of your Data including where we use it for our legitimate interests.
22. To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing of your Data (where consent is our legal basis for processing your Data), please contact us via this e-mail address: email@example.com.
23. If you are not satisfied with the way a complaint you make in relation to your Data is handled by us, you may be able to refer your complaint to the relevant data protection authority. For the UK, this is the Information Commissioner's Office (ICO). The ICO's contact details can be found on their website at https://ico.org.uk/.
24. It is important that the Data we hold about you is accurate and current. Please keep us informed if your Data changes during the period for which we hold it.
Links to other websites
Changes of business ownership and control
27. We may also disclose Data to a prospective purchaser of our business or any part of it.
28. In the above instances, we will take steps with the aim of ensuring your privacy is protected.
30. All Cookies used by this Website are used in accordance with current UK and EU Cookie Law.
31. Before the Website places Cookies on your computer, you will be presented with a message bar requesting your consent to set those Cookies. By giving your consent to the placing of Cookies, you are enabling Victoria Earnshaw trading as VE Medical Accountant to provide a better experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of the Website may not function fully or as intended.
32. This Website may place the following Cookies:
Type of Cookie Purpose
Analytical/performance cookies They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
33. You can find a list of Cookies that we use in the Cookies Schedule.
34. You can choose to enable or disable Cookies in your internet browser. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser.
35. You can choose to delete Cookies at any time; however you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalisation settings.
36. It is recommended that you ensure that your internet browser is up-to-date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings.
37. For more information generally on cookies, including how to disable them, please refer to aboutcookies.org. You will also find details on how to delete cookies from your computer.
40. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
41. This Agreement will be governed by and interpreted according to the law of England and Wales. All disputes arising under the Agreement will be subject to the exclusive jurisdiction of the English and Welsh courts.
43. We seek to resolve directly all complaints about how we handle personal information but you also have the right to lodge a complaint with the Information Commissioner's Office, whose contact details are as follows:
Information Commissioner's Office
Telephone - 0303 123 1113 (local rate) or 01625 545 745
Website - https://ico.org.uk/concerns
26 March 2021